The kick up the a&£e diary for debt busting

tattycath

jwil wrote: »

Happy New Year Tattycath xx

Thank you. Happy new year to you too jwil! All the best for 2015! Xx

tattycath

New yea, new start!
Had a busy, productive day yesterday-even though it was New Year's Day!
I did cook a roast lunch in the middle of all my busyness though and it was yummy! I even had half from DD1!

Today is operation Christmas decs-I'm getting sick of them now and I want/need to clean up.
Got a load of washing in dryer and another load waiting to go in washing machine, then there should only be a couple of loads left to do!
I've started making lists of regular jobs, one off jobs that need doing and jobs that cost money that need doing-so I need to focus on getting some money together to fund some of these things.
I've decided to use my Tilly tidies to fund one particular job and I have over £70 at the moment-I still need about £150-but I'm optimistic I'll have it within the month!
Right, off to get a Christmas tree box out the loft!

jwil

Snap with the decorations!

I ought to make a list really of things to be done, maybe I will.

Have a good day!

tattycath

Well, the decs are back in the loft.
I've decluttered 4 bags of stuff to a friend and 5 bags of stuff in the car boot ready to go to charity tomorrow.
The lounge looks half decent now, still lots more decluttering and reorganising to do though!

tattycath

Good morning.
Been up since 7-took DD2 to work.
This morning so far I have:
Scrubbed the floor
Done some odd niggly jobs that have been waiting ages.
Got a load of washing done and another ready to go on,
Dishwasher been on and is on again
Just having a quick cuppa and then getting back to it. Loads to do-always a job.
I've done a Tilly tidy deluxe today and now have almost £90 to go toward one of the goals I would like to achieve.
I'm going for a job a month, then if I achieve more I'll be very happy! Xx

tattycath

Well, I've managed to do loads of things on my 'to do' list and even a few that weren't on the list! :j
I've baked, cleaned, tidied.
Stripped, washed, dried, remade, (the bed, that is!)
Going to sort stuff out to be shredded!

tattycath

Feeling poorly today! I think I've succumbed to the start of a cold. Having a rest day!
I have done another shift around of money though. I now have just over £100 in savings for my next project-the target is to complete it this month. ideally, I need another £100+, that said, I can make a start with the £100 I already have.
The thing with me is that I'm happy having a couple of projects on the go at any one time, whereas mr tc likes to just concentrate on one thing at a time. So he plods and takes ages coz he's a perfectionist... And he gets bored and I flit between a couple of projects and don't get bored but still manage to complete them.

tattycath

I've decided to set a target for extra overpayments to the mortgage this year.
We already overpay automatically on the mortgage. This year I want to set a target to overpay an extra £3,000.
I have made a very small start tonight. I have paid off £20.00.
off to update signature.

licsa

tattycath wrote: »

I've decided to set a target for extra overpayments to the mortgage this year.
We already overpay automatically on the mortgage. This year I want to set a target to overpay an extra £3,000.
I have made a very small start tonight. I have paid off £20.00.
off to update signature.

Cool! I've been following your thread for a while now

Silly question, how do you actually overpay the mortgage, can it be done online or do you need to call them?

tattycath

licsa wrote: »

Cool! I've been following your thread for a while now

Silly question, how do you actually overpay the mortgage, can it be done online or do you need to call them?

Hi, :wave: thanks for dropping by.
I pay bills online through my online banking. I have a 'pay a bill' section. I just put the account details in and the name of the account. Once it is set up, online banking remembers it. So I just click on it and put in the amount I want to pay. It's really easy, if I can do it, anyone can do it!
The lowest overpayment I have made this way has been £1-I do try to pay off more than this, but it all helps.